--- title: "Lumon Pay Limited SWIFT/BIC code FOCDGB22XXX · United Kingdom | Elucidate" description: "Licensed in the United Kingdom: Authorised E-Money Institution (FCA). SWIFT/BIC code FOCDGB22XXX for Lumon Pay Limited, United Kingdom. Head-office BIC." url: https://elucidate.co/directory/lumon-pay-limited-focdgb22 --- 1. [Directory](https://elucidate.co/directory) 2. [United Kingdom](https://elucidate.co/directory/country/gb) 3. Lumon Pay Limited United Kingdom · Payments & e-money # Lumon Pay Limited Legal name in the LEI record LUMON PAY LTD Lumon Pay Ltd is a private limited company registered in England and Wales with its head office in London. The Financial Conduct Authority (FCA) authorises it as an electronic money institution (FRN 902022). It trades as Lumon and is owned by Lumon Acquisitions Limited of Jersey, which a Pollen Street Capital fund controls. It provides foreign exchange and international payments to private and corporate clients, many of them buying or selling property abroad. It traded as Foreign Currency Direct plc until 2021. Register status Licensed in the United Kingdom Authorised E-Money Institution · FCA Prudential licence [1 licence or registration ↓](https://elucidate.co/directory/lumon-pay-limited-focdgb22#licences) BIC **FOCDGB22XXX** LEI **[213800LSIJOBVPKHTW65](https://search.gleif.org/#/record/213800LSIJOBVPKHTW65)** [Licence no. **902022**](https://elucidate.co/directory/lumon-pay-limited-focdgb22#licences) Reverse billing Head-office BIC only [Claim this profile](https://elucidate.co/directory/lumon-pay-limited-focdgb22#claim) ## Licences and registrations Held by Lumon Pay LTD (LEI 213800LSIJOBVPKHTW65). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026. | Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | [FCA Financial Services Register - E-Money Institutions](https://elucidate.co/directory/register/fca-emi) FCA Linked by LEI. Matched by Elucidate on the UK company number the register gives. | Authorised E-Money InstitutionE-Money / Stored Value Institution | 902022 | [United Kingdom](https://elucidate.co/directory/country/gb) | Active | 2018-07-12 | — | - Payment services - E-money / stored value | [Search the register ↗](https://register.fca.org.uk/s/) | Trading names on the register: Lumon (FCA-EMI) - Licences belong to the legal entity, not to a BIC. - Each licence applies in the country of the regulator that granted it. - Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here. - The register entries and their trading names were not matched against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only. ### Other register entries with this LEI Shown for reference: they share the LEI but are not merged into this page - [Foreign Currency Direct Plc No BIC Payments & e-money Prudential licence Inactive since 12 July 2018 United Kingdom · Licensed by FCA · 538392 (FCA-PSD) · LEI 213800LSIJOBVPKHTW65 (also mapped to a BIC) LEI matched by Elucidate to GLEIF on name and country only. Not merged: the register name differs from the name on this BIC.](https://elucidate.co/directory/foreign-currency-direct-plc-35cb256dfa40) ## Swift network Swift’s ISO 9362 BIC directory - **BIC:** FOCDGB22XXX head office - **Connection to Swift:** Reverse billing - **Swift GPI:** Not on the member list - **Payment schemes and systems:** No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC - **Branch codes:** None: head-office BIC only - **Other BIC with this LEI:** [LUMOGB22](https://elucidate.co/directory/lumon-pay-limited-lumogb22) - **BIC first registered:** 2020-10-31 - **Last updated:** 2024-12-19 ## Overview Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/lumon-pay-limited-focdgb22#overview-sources) Customers Not published Employees 177 headcount · Group · 31 Oct 2025 · [annual report ↗](https://find-and-update.company-information.service.gov.uk/company/05082565/filing-history/MzUyODU1NDcwNGFkaXF6a2N4/document?format=pdf&download=0) Ownership Group subsidiary Lumon Acquisitions Limited Firm type FX and business payments Trades as Lumon - **Standing:** The firm was named Foreign Currency Direct plc until August 2021 and briefly Lumon Pay plc. It took the name Lumon Pay Ltd in September 2021. - **Ownership:** Lumon Acquisitions Limited of Jersey holds 75% or more of the firm's shares. According to the 2025 accounts, the firm's ultimate controller is PSC III G, LP, a fund structure in Ontario, Canada, and Lumon credits Pollen Street Capital with backing it since 2018. - **Direct parent:** Lumon Acquisitions Limited, Jersey - **Ultimate owner:** PSC III G, LP, Canada - **Head office:** 20 Farringdon Road, EC1M 3HE London, United Kingdom - **Company register:** Companies House 05082565 - **Incorporated:** 24 Mar 2004 - **Former names:** LUMON PAY PLC · FOREIGN CURRENCY DIRECT PLC · FOREIGN CURRENCY DIRECT AMERSHAM PLC ### Online - **Websites & references:** [lumonpay.com ↗](https://www.lumonpay.com/) [careers.lumonpay.com ↗](https://careers.lumonpay.com/) careers site - **Official social accounts:** [LinkedIn ↗](https://linkedin.com/company/lumon-pay/) · [X ↗](https://twitter.com/currencytalk/) · [Facebook ↗](https://www.facebook.com/lumonpay/) Sources · 18 pages consulted 1. [register.fca.org.uk/s/firm?id=0010X000046Fav8QAC](https://register.fca.org.uk/s/firm?id=0010X000046Fav8QAC) 2. [find-and-update.company-information.service.gov.uk/company/05082565](https://find-and-update.company-information.service.gov.uk/company/05082565) 3. [find-and-update.company-information.service.gov.uk/company/05082565/officers](https://find-and-update.company-information.service.gov.uk/company/05082565/officers) 4. [find-and-update.company-information.service.gov.uk/company/05082565/persons-with-significant-control](https://find-and-update.company-information.service.gov.uk/company/05082565/persons-with-significant-control) 5. [find-and-update.company-information.service.gov.uk/company/05082565/filing-history](https://find-and-update.company-information.service.gov.uk/company/05082565/filing-history) 6. [find-and-update.company-information.service.gov.uk/company/05082565/filing-history/MzUyODU1NDcwNGFkaXF6a2N4/document?format=pdf&download=0](https://find-and-update.company-information.service.gov.uk/company/05082565/filing-history/MzUyODU1NDcwNGFkaXF6a2N4/document?format=pdf&download=0) 7. [lumonpay.com/](https://www.lumonpay.com/) 8. [lumonpay.com/legal-info/](https://www.lumonpay.com/legal-info/) 9. [lumonpay.com/safeguarding/](https://www.lumonpay.com/safeguarding/) 10. [lumonpay.com/policies/terms-lpl-pers/](https://www.lumonpay.com/policies/terms-lpl-pers/) 11. [lumonpay.com/help-centre/about-lumon/](https://www.lumonpay.com/help-centre/about-lumon/) 12. [lumonpay.com/team/](https://www.lumonpay.com/team/) 13. [lumonpay.com/corporate/articles/announcement-lumon-agrees-to-acquire-fiscal-fx/](https://www.lumonpay.com/corporate/articles/announcement-lumon-agrees-to-acquire-fiscal-fx/) 14. [lumonpay.com/corporate/articles/announcement-lumon-agrees-to-acquire-abacus-fx-limited/](https://www.lumonpay.com/corporate/articles/announcement-lumon-agrees-to-acquire-abacus-fx-limited/) 15. [fca.org.uk/news/warnings/emirates-global-pay-ltd-clone-fca-authorised-firm](https://www.fca.org.uk/news/warnings/emirates-global-pay-ltd-clone-fca-authorised-firm) 16. [cityam.com/exclusive-santanders-ebury-eyes-100m-plus-lumon-takeover/](https://www.cityam.com/exclusive-santanders-ebury-eyes-100m-plus-lumon-takeover/) 17. [finextra.com/pressarticle/96931/lumon-pay-names-new-ceo](https://www.finextra.com/pressarticle/96931/lumon-pay-names-new-ceo) 18. [financialit.net/news/people-moves/lumon-pay-announces-new-ceo](https://financialit.net/news/people-moves/lumon-pay-announces-new-ceo) ## Authorisation Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/lumon-pay-limited-focdgb22#overview-sources) - **Operates under:** Several models - **Licensed firm it operates under:** Visa Global Services Inc., United States provides payment services for Lumon Pay (non-MiFID products) to US clients as a licensed money transmitter (NMLS ID 181032) The FCA authorises the firm as an electronic money institution under the Electronic Money Regulations 2011. For US clients, Visa Global Services Inc. provides the payment services under its own money transmitter licences. For some customers, Currencycloud issues the e-money. | Authority | Licence or registration | Number | Held | Status | Source | | --- | --- | --- | --- | --- | --- | | Financial Conduct Authority United Kingdom | Authorised Electronic Money Institution | 902022 | In its own name | Active | [register.fca.org.uk ↗](https://register.fca.org.uk/s/firm?id=0010X000046Fav8QAC) | Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks. ## Partners and safeguarding Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/lumon-pay-limited-focdgb22#overview-sources) - **Safeguarding:** Segregated safeguarding accountsThe firm states that it keeps customer funds in segregated accounts with banks or covers them with an insurance policy. According to its 2025 accounts, it combines safeguarded cash with a safeguarding facility of up to GBP 20 million. [lumonpay.com ↗](https://www.lumonpay.com/safeguarding/) - **Safeguarding bank · Partner:** Currencycloud [lumonpay.com ↗](https://www.lumonpay.com/safeguarding/) Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices. ## Products and markets Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/lumon-pay-limited-focdgb22#overview-sources) - International money transfer - FX conversion - E-money wallet - Multi currency accounts - FX hedging The firm offers currency exchange and international transfers to over 150 countries in over 40 currencies, with a focus on property purchases and sales abroad. Customers hold funds in a multi-currency Lumon wallet as electronic money. The firm contracts with clients in the UK and outside the EEA. Clients in the EU and EEA contract with its Irish subsidiary, Lumon FX Europe Limited. - **Revenue:** GBP 30.3mGroup · 31 Oct 2025 · [annual report ↗](https://find-and-update.company-information.service.gov.uk/company/05082565/filing-history/MzUyODU1NDcwNGFkaXF6a2N4/document?format=pdf&download=0) - **Sells to:** Consumers · Small businesses · Enterprises - **Serves customers in:** United Kingdom ## Leadership Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/lumon-pay-limited-focdgb22#overview-sources) - **Chief executive:** Vic Darvey Chief Executive Officer (Lumon Group CEO) and director Confirmed 29 Sep 2026 · [lumonpay.com ↗](https://www.lumonpay.com/corporate/articles/announcement-lumon-agrees-to-acquire-fiscal-fx/) - **Chair:** Ian McCaig Chairman and director Confirmed 29 Sep 2026 · [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/05082565/officers) - **Executive:** Nicholas John Haslehurst Non-Executive Director and Chair of Risk and Compliance Committee Confirmed 29 Sep 2026 · [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/05082565/officers) - **Executive:** Michael James Peter England Director (Partner at Pollen Street Capital) Confirmed 29 Sep 2026 · [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/05082565/officers) - **Executive:** Leigh Edward Bridger Director Confirmed 29 Sep 2026 · [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/05082565/officers) - **Executive:** Jonathan James Guest Director Confirmed 29 Sep 2026 · [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/05082565/officers) ## Recent events Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/lumon-pay-limited-focdgb22#overview-sources) 1. Jul 2026 Other City AM reported that Ebury was in talks with Pollen Street to acquire Lumon. Sources said there was no certainty of a deal. [cityam.com ↗](https://www.cityam.com/exclusive-santanders-ebury-eyes-100m-plus-lumon-takeover/) 2. Apr 2026 Merger / acquisition Lumon agreed to acquire the business and assets of Fiscal FX, a London-based foreign exchange and international payments firm. [lumonpay.com ↗](https://www.lumonpay.com/corporate/articles/announcement-lumon-agrees-to-acquire-fiscal-fx/) 3. Sep 2024 Merger / acquisition Lumon agreed to acquire Abacus FX Limited, an international payments firm with offices in London and Portugal. [lumonpay.com ↗](https://www.lumonpay.com/corporate/articles/announcement-lumon-agrees-to-acquire-abacus-fx-limited/) 4. Nov 2023 Leadership The firm appointed Victor Marc Darvey, announced as Lumon's chief executive, as a director on 24 November 2023. [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/05082565/filing-history) Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source. ## Regulator warnings Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/lumon-pay-limited-focdgb22#overview-sources) 1. 19 Aug 2024 Impersonation Financial Conduct Authority, United Kingdom The FCA warned that Emirates Global Pay Ltd was a clone firm using the details of Lumon Pay Ltd. The FCA stated that the genuine firm has no connection with the clone. [fca.org.uk ↗](https://www.fca.org.uk/news/warnings/emirates-global-pay-ltd-clone-fca-authorised-firm) Entries on regulators’ consumer-warning lists that name the firm or its brand. An impersonation warning is about fraudsters posing as the firm, not about the firm itself. ## Identifiers Head-office record - **BIC:** FOCDGB22XXX - **How the BIC breaks down:** 1. FOCD Bank 2. GB Country · United Kingdom 3. 22 Location · reverse billing 4. XXX Branch · head office - **Branch description:** Not recorded in the directory - **LEI:** 213800LSIJOBVPKHTW65 - **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/213800LSIJOBVPKHTW65) - **Licence no. · FCA-EMI:** 902022 - **How the LEI was matched:** BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file. Register entry: Matched by Elucidate on the UK company number the register gives. - **Register-entry ID:** 32769b941a13 - **Companies House no.:** [05082565 ↗](https://find-and-update.company-information.service.gov.uk/company/05082565) ## Profile - **Type:** Payments & e-money - **Regulation:** Prudential licence - **Register licences:** [1 entry on 1 register](https://elucidate.co/directory/lumon-pay-limited-focdgb22#licences) - **Activities:** - Payment services - E-money / stored value - **Licensed in:** [United Kingdom](https://elucidate.co/directory/country/gb) - **Website (register):** [www.lumonpay.com ↗](http://www.lumonpay.com/) - **Country · region:** United Kingdom · Europe & Central Asia - **Trading venues (MIC):** No MIC registered under this LEI list of 2026-09-17 - **OFAC sanctions:** No listing cites this BIC - **EU sanctions:** No listing matched this BIC or its LEI - **Country sanctions:** No country programme Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet. ## Ownership and group GLEIF relationship records GLEIF’s relationship records name no parent for this LEI, and no group page is published for it. ## Persons with significant control Companies House · company [05082565 ↗](https://find-and-update.company-information.service.gov.uk/company/05082565) · as at 9 October 2026 Companies House lists 1 person with significant control for Lumon Pay Ltd: 1 company. | Name | Type | Nature of control | Notified | | --- | --- | --- | --- | | Lumon Acquisitions Limited | Company · Companies (Jersey) Law 1991 | 75–100% of shares · 75–100% of votes · Can appoint or remove directors | 1 December 2020 | Companies report persons with significant control to Companies House. Elucidate has not verified them. A person with significant control holds more than 25% of the shares or votes, can appoint or remove the board, or has significant influence or control. Dates of birth and addresses are not shown. Matched on the Companies House number that the FCA register gives for this firm. [See the register at Companies House ↗](https://find-and-update.company-information.service.gov.uk/company/05082565/persons-with-significant-control) ## Addresses - **Registered address:** 20 FARRINGDON ROAD LONDON EC1M 3HE UNITED KINGDOM - **Operational address:** 20 FARRINGDON ROAD LONDON LONDON EC1M 3HE UNITED KINGDOM ## ISO 20022 identification As an agent in a Swift cross-border payment message (CBPR+) A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC. - **Identified by:** BIC, with its LEI - **Roles in CBPR+:** Any agent, including the instructing and instructed agents ### CBPR+ For cross-border payments on Swift: the BIC, with the LEI and clearing code where known ```xml FOCDGB22XXX 213800LSIJOBVPKHTW65 ``` ### Full record Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC ```xml FOCDGB22XXX 213800LSIJOBVPKHTW65 LUMON PAY LIMITED LONDON GB 20 FARRINGDON ROAD LONDON EC1M 3HE ``` The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use. ## Related institutions ### Same legal entity - [Lumon Pay Limited BIC LUMOGB22 Financial institution Not on a tracked register United Kingdom · Not on a tracked register · LEI 213800LSIJOBVPKHTW65](https://elucidate.co/directory/lumon-pay-limited-lumogb22) Other BICs mapped to the same LEI. ### Other payments & e-money institutions in the United Kingdom - [Stonex Financial LTD BIC IGLUGB2L Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 446717 (FCA-PSD) · also on FINTRAC-MSB · LEI 549300AWF3TOHRYL7754](https://elucidate.co/directory/stonex-financial-ltd-iglugb2l) - [Dex International Limited · trading as DEXREMIT No BIC Payments & e-money Crypto Money service business Prudential licence United Kingdom · Licensed by FCA · 503929 (FCA-PSD) · also on HMRC-MLR, FINTRAC-MSB · LEI 9845003995D06S994R04](https://elucidate.co/directory/dex-international-limited-ff2b0c01c725) - [Euronet Payment Services Ltd · trading as Ria Money Transfer, Ria No BIC Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 504630 (FCA-PSD) · also on HMRC-MLR · No LEI mapped](https://elucidate.co/directory/euronet-payment-services-ltd-6f4dec33a392) - [Instinet Europe Limited BIC ISNTGB2L Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 140822 (FCA-PSD) · LEI 213800MXAKR2LA1VBM44](https://elucidate.co/directory/instinet-europe-limited-isntgb2l) - [Isx Financial UK LTD BIC ISFIGB22 Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 901034 (FCA-EMI) · LEI 2138007BDV9IRS8AYD07](https://elucidate.co/directory/isx-financial-uk-ltd-isfigb22) - [Western Union Payment Services GB Limited · trading as Manning House, WU No BIC Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 816890 (FCA-PSD) · also on HMRC-MLR · No LEI mapped](https://elucidate.co/directory/western-union-payment-services-gb-limited-0741de977896) - [A to Z 4U Ltd · trading as SAAK REMIT, Saakpay No BIC Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 570837 (FCA-PSD) · also on HMRC-MLR · No LEI mapped](https://elucidate.co/directory/a-to-z-4u-ltd-25c2ca0fa3b5) - [Allied Wallet Limited No BIC Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 900124 (FCA-EMI) · also on FCA-PSD · LEI 213800HO66BDXP716G24](https://elucidate.co/directory/allied-wallet-limited-8983cc2e32eb) [See all →](https://elucidate.co/directory/search?type=payments&cc=GB) Claim this profile ## Work at Lumon Pay Limited? Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page. 1. 01 **Submit** Tell us who you are, using your work email. 2. 02 **We verify** We check the email domain and confirm your role with the bank. This usually takes up to five business days. 3. 03 **Profile claimed** The page is marked as claimed and verified. You can send us corrections at any time. Sources & method Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name. Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists. Register entries are not screened against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only. An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page. [Read the methodology →](https://elucidate.co/directory/methodology) Credits for this page - **FCA Financial Services Register - E-Money Institutions**—Financial Conduct Authority (FCA) · [register ↗](https://register.fca.org.uk/s/) as at 25 September 2026 - **Persons with significant control**—Companies House · [source ↗](https://download.companieshouse.gov.uk/en_pscdata.html) as at 9 October 2026 - **Overview, authorisation, partners, products, leadership and events**—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source. ## Assess the financial crime risk behind a BIC A BIC identifies an institution; it does not assess it. The [Elucidate FinCrime Index (EFI)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence. [Book a demo](https://elucidate.co/demo-request) Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.